Seriously disappointed with FOS

[ims21]

Ok so if an actual ombudsman has given a decision then that is it as far as fos is concerned so we have cleared that bit up

 

Now you need to decide whether you wish to take this through court.

[Baz1994]

Ok so if an actual ombudsman has given a decision then that is it as far as fos is concerned so we have cleared that bit up

 

Now you need to decide whether you wish to take this through court.

 

Yes that's correct so I will probably take that choice, once I have collated all information.

 

How much is small claims ?

[ims21]

Depends on the value of the claim....have a read here

 

https://www.gov.uk/make-court-claim-for-money/going-to-court

[Old Cogger]

do not sign anything as acceptance, they have to file as not completed?

[Baz1994]

do not sign anything as acceptance, they have to file as not completed?

 

Thanks MIKE770 - Sorry to sound stupid but FOS explained that if I signed as rejected then I could take case to court if I wished but if I had signed as agreement to the decision then it was binding and no further action could be taken - does that sound correct ?

[Baz1994]

Depends on the value of the claim....have a read here

 

https://www.gov.uk/make-court-claim-for-money/going-to-court

 

Thank-you again ims21 and claim will be in the region of £2,500. I will have a read up and then decide what to do, and I am still awaiting further SAR details from Capital One so once received or confirmation that they cannot provide anything further I will then draw up something to submit.

 

I also have some unfair credit card charges that I would like to submit request for refund. After reading various articles yesterday regarding banks under paying compensation, shall I keep the issue separate ?

[Old Cogger]

Thanks MIKE770 - Sorry to sound stupid but FOS explained that if I signed as rejected then I could take case to court if I wished but if I had signed as agreement to the decision then it was binding and no further action could be taken - does that sound correct ?

 

sign as rejected then

 

I did not bother but was informed on a site that the case will not be closed if I did not send response. so it would seem they may have changed the wording in recent years?

[Baz1994]

sign as rejected then

 

I did not bother but was informed on a site that the case will not be closed if I did not send response. so it would seem they may have changed the wording in recent years?

 

Thanks again MIKE770.

 

I think it has but I have contacted FOS for their clarification anyway but sure when I spoke to them a couple of days ago, they did confirm that was my only other option to pursue it. I must admit the form was very basic and would be helpful if they could add additional information explaining.